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Manchester city, NH

ZIP 03104 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 03104

Median Home Value
$364,200
Median Rent
$1,292
Affordability Snapshot
$100,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,340/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 03104 in Manchester city, NH, a household would need roughly $100,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,340. That is about 18% above the local median household income ($84,513), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
57.0%-13% vs US avg
x
Vacancy Rate
6.3%-39% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
2.6%-83% vs US avg
x
Built Pre-1939
6.7%-48% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
24.8%-50% vs US avg
x
Mortgage-Free
31.0%-19% vs US avg
x
$364,200
Home Value
$1,292
Rent
1962
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached41.4%
  • 1-unit attached5.9%
  • 2-9 units31.0%
  • 10+ units21.2%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$364,200
Median rent$1,292
Owner-occupied57.0%
Vacant6.3%
Price-to-income4.3x
Est. income to buy$100,000